Relay Card

Your monthly payouts are deposited to your Relay Visa® Prepaid Card (“Relay Card”). When you use the Relay Card to spend your payouts, you can earn cashback rewards on all purchases, except when you enter a PIN or make an ACH transfer. Your cashback rate is determined by the specific Planned-Spend Account you choose at enrollment.

When you enroll in Relay, you open two separate but related accounts: i) a Planned-Spend Account, which is an immediate annuity, and ii) a Relay Card account.

The two accounts are related because your Relay Planned-Spend Account generates monthly payouts that are loaded directly onto your Relay Card. Your Relay Card is the card you’ll then use to spend your payouts and earn cashback rewards on all purchases (except when you enter a PIN or make an ACH transfer).

It's important to point out that the balances of your Planned-Spend Account and your current Relay Card balance are two distinct, separate amounts. You can track both the remaining payouts from your Planned-Spend Account and the current balance of your Relay Card account via the Relay mobile app or by logging in at RelayRewards.com.

Once you’ve enrolled in a Relay Planned-Spend Account and Relay Card and your one-time lump sum is verified and received by Guggenheim Life and Annuity Company, we’ll ship you a Relay Card. You can expect to receive your Relay Card in the mail within 7-10 calendar days after you’ve enrolled to become a Relay customer. Your first monthly payout will already be loaded onto your Relay Card, so you’ll just need to activate your Relay Card and you can start spending and earning incredible cashback rewards. If you have not received your card within 10 days, please call 1-844-505-1477 (Option 2) to order a new one.

One reason your address may not have been accepted is that we do not mail to P.O. boxes at this time. Another reason your address may not have been accepted could be because the address you entered is not your primary address. Your primary address is most likely the one on your driver's license or state ID and must be a physical location. If the primary address provided is still not working, please call Relay customer support at 1-844-505-1477 (Option 2).

Yes, you can load more funds onto your Relay Card. Additional funds can be loaded to your Relay Card via ACH from an external bank account. This includes direct deposit services whereby a portion of your paycheck can be sent each pay period to your card.

Note: While you can add more funds to your Relay Card, you cannot add more funds to your Relay Planned-Spend Account at any point over your plan term at this time. In addition, you will not earn cashback rewards on any additional funds that you load onto your Relay Card. Your cashback rate only applies to your monthly payouts drawn from the one-time lump sum you provided upfront to open your Planned-Spend Account. The maximum cashback you can enter is based on a) your cashback rate and b) the total payouts from the annuity.

For example, if you opened a 3-year Planned-Spend Account with a $7,096.54 one-time lump sum, you will have $200 payouts loaded onto your Relay Card each month for three years. If you load another $3,000 to your card, you can spend all those funds as you choose, but you would only earn cashback rewards on your $200 monthly payouts.

See this FAQ to learn how you can use the Relay mobile app to load additional funds to your Relay Card by locating your account and routing numbers and initiating ACH transfers. Most banks transfer funds within 3-5 business days, excluding weekends and bank holidays. Some banks allow you to select delivery options, including next day transfers. Please refer to the Cardholder Agreement for more information.

Your Relay Card may be used everywhere Visa debit cards are accepted. You can make purchases by selecting “debit” and entering your PIN number or by selecting “credit” and signing your signature.

When you spend monthly payouts on your Relay Card, you may earn cashback rewards on all purchases, except when you enter a PIN or make an ACH transfer. You will not earn cashback rewards on purchases you make when you enter your PIN, on cash withdrawals, or on any additional (non-Planned-Spend Account) funds loaded directly onto the Relay Card.

Yes, you will earn cashback rewards shopping online just as you would at a brick-and-mortar location and signing for your purchase. To do so, you will need to enter your Relay Card number and expiration date into the merchant’s site.

Note: Purchases you make by entering your ACH information (account/routing number) are not eligible for cashback rewards.

Tell us AT ONCE if you believe your card or access information has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. To report a lost, stolen, or unauthorized transaction on your Relay Card, please call 1-844-505-1477 (Option 3) to speak with a customer support representative who specializes in lost & stolen cards and fraudulent account activity.

Tell us AT ONCE if you believe your card or access information has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission. To report a lost, stolen, or unauthorized transaction on your Relay Card, please call 1-844-505-1477 (Option 3) to speak with a customer support representative who specializes in lost & stolen cards and fraudulent account activity.

If you have an active Relay Planned-Spend Account, the Relay Card does not have activation fees, purchase transaction fees, or monthly account fees.

That said, a Relay customer may be charged a fee by a bank, mobile or cash load location, for completing a balance inquiry or for withdrawing from an out-of-network ATM, or making an international purchase. All Relay Card fees are outlined in the cardholder agreement and provided at the time of enrollment. See the Cardholder Agreement for a complete fee listing for the Relay Card.

Relay is brought to you by
Group One Thousand One, LLC ("Group1001") through its agency Tomorrow Loyalty Services, LLC, a Delaware limited liability company. Group One Thousand One, LLC is an insurance holding company in the United States with current combined assets under management of approximately $36 billion as of December 31, 2017.

The Relay Planned-Spend Account is an immediate annuity, form number GLA-SPIA-RL-01 or a variation of such, issued by Guggenheim Life and Annuity Company (d/b/a Guggenheim Life and Annuity Insurance Company in California; NAIC#83607) ("Guggenheim Life"), a Delaware-domiciled insurance company with its principal office in Indianapolis, Indiana. Relay and/or certain features may not be available in all states. Guggenheim Life is currently licensed and authorized to do business in 49 states (all states except New York), the District of Columbia and Puerto Rico.

The Relay Planned-Spend Account is not FDIC insured, is not guaranteed by Sunrise Banks N.A., is not a deposit account, and may lose value.

The Relay® rewards program is offered to cardholders by Sunrise Banks, N.A. and administered by Urban FT under license by Tomorrow Loyalty Services, LLC.

The Relay Visa® Prepaid Card is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to a license from Visa® U.S.A. Inc. This card may be used everywhere Visa® debit cards are accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

Visa® is a registered trademark of Visa International Service Association. Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. All logos, trademarks, service marks and registered marks are trademarks of and owned by each represented company and/or its affiliates. Device and screen images simulated.